Welcome to  tracking of income and expenses for the month. Please note that I get paid on the last day of the month so my cash flow net effect will usually be negative until the last day of the month.

This does not mean that I am adding to my debt, it just means that the money coming in is less than the money going out because I do not get my salary until the last day of the month.

Income for the month to date: $got a little bonus with private ad sales

Expenses for the month to date: $much higher than I planned due to shipping Christmas gifts

Net effect: $123 positive!!!!

I was in the black this month by $123 dollars so this was  good month for me. I am using that money to pay off  the last $100 on the anesthesia bill so that I can take that off my budget for January. One debt down….a few more to go.

I only spent $30.09 on gas this month because I have only been going to work, church, Walmart and CVS. I did go out of town for Thanksgiving but it only cost me a half tank round trip.

I have paid off a bit more on the debt and my current Debt Chart now stands at 50.75% paid off. You can also check out other member charts at the No Credit Needed Network.

The electric bill was $32.02 which was way under my budget of $70. I am keeping the budgeted amount high still because I gave in and I have put on the heater a few days this month.

I will see you guys and gals later as I continue my journey to save money and become debt free!!!!